100% of American Express customers would recommend it to a friend
Acceptance at smaller merchants remains an issue
Compare American Express business credit cards
American Express offers credit and charge cards for business customers, offering the chance to monitor spending and attain rewards while spending.
Compare American Express business cards
Table: sorted by representative APR, promoted deals first
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Approval for any credit card depends on your status. The representative APRs shown represent the interest rate offered to most successful applicants. Depending on your personal circumstances, the APR you're offered may be higher, or you may not be offered credit at all. Fees and rates are subject to change without notice. It's always wise to check the terms of any deal before you borrow. Most of the data in Finder's comparison tables is provided by Moneyfacts.
What do American Express business credit cards offer?
American Express business credit and charge cards offer you the opportunity to manage your company’s cash flow while earning rewards for your spending. You’ll accrue Membership Rewards points while you spend, and potentially also lucrative welcome bonuses and anniversary bonuses too. The points can be redeemed against offers in the app or simply against purchases you make using the card.
What's the difference between a charge card and credit card?
With a charge card, you are expected to clear your balance in full every month. As such, these cards don’t charge interest, although there are usually harsh fees if you fail to clear your balance. The benefits of charge cards include flexibility over payments (purchases at the start of the billing cycle are paid for at the end of the billing cycle) and in some cases, rewards on your spending. Charge cards can come with a monthly or annual fee attached, however, and do not offer purchase protection under section 75 of the Consumer Credit Act.While charge cards are fairly rare in the consumer space, they are more prevalent in business banking.
American Express business cards features and benefits
American Express offers a range of benefits to all business card customers, including:
- Business account management. Amex’s 24-hour online business account management lets you check your balance, payments, past statements and keep track of all business purchases made on your Account.
- Membership Rewards. Earn one point on every full £1 you spend and redeem for a variety of rewards to reinvest in your business or to treat yourself or your employees.
- Cash flow management. Up to 42 or 54 days, depending on your card.
- Complementary supplementary cards. Available to Platinum and Gold business charge cardholders.
- No pre-set spending limit. As with all charge cards, there is no credit limit as you are expected to pay off your balance in full every billing cycle.
How to compare American Express business cards
When comparing American Express business charge cards, think about what your company needs.
If you’re starting out and want to avoid fees, then the Basic card could be a handy way to take advantage of Amex’s business tools while keeping costs down.
However, if you want rewards for your spending, such as points and travel benefits, including free airport lounge access, a concierge and insurance, it would be worth considering the Gold or Platinum charge card.
American Express customer reviews
Customers who participated in Finder’s 2024 customer satisfaction survey were overwhelmingly positive about American Express, with many highlighting its “great” customer service and app, and generous rewards and benefits.
American Express finished second in business cards category in theFinder Customer Satisfaction Awards 2024, and boasted a clean sheet 100% of customers happy to recommend the brand to a friend.
Several customers cited the rewards and benefits they get with their Amex business card, and many mentioned great service.
One said:”Easy to access customer service. Prompt decision making process. Able to speak with humans and not bots.”
| Trustpilot | Apple App Store | Google Play |
|---|---|---|
|
★★★★★ 1.6 out of 5 |
★★★★★ 4.8 out of 5 |
★★★★★ 4.3 out of 5 |
Contact American Express’ customer support
For any queries, ring your card’s telephone number as found below:
| British Airways American Express® Accelerating Business Card | 0800 917 8043 |
|---|---|
| American Express® Business Platinum Card | 0800 917 8043 |
| American Express® Business Gold Card | 0800 917 8043 |
| American Express® Business Basic Card | 0800 917 8043 |
| Amazon Business Prime American Express® Card | 0800 731 0146 |
| Amazon Business American Express® Card | 0800 731 0146 |
Overview of American Express business credit cards
| Lowest representative APR | 39.7% |
|---|---|
| Lowest cash advance | 33.7% |
| Highest cashback earn-rate | No cashback available |
| Highest introductory bonus offer | 40,000 points |
Frequently asked questions
We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables has the source: Moneyfacts Group PLC. In other cases, Finder has sourced data directly from providers.
Finder business card ratings
★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor
Finder scores, in blue, are based on our expert analysis. We also show reviews from users, where we've received more than 10, with a score in yellow. We gather more reviews from customers every year in Finder's customer satisfaction survey.
To find out more, read our full methodology.
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British Airways American Express® Accelerating Business Card review
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Travel in style and boost your spending power with this rewarding business charge card.
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American Express Gold Business Charge Card review
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